“Fear not,” is the common greeting of angels to poor shepherds. Sometimes what’s best for people is also scary. People are scared of bankruptcy, even though it is the best way to deal with unmanageable debt. If your fearful or embarrassed about filing a bankruptcy case, call me for a free consultation> At least you’ll learn how bankruptcy works, get your questions answered, and see if there are other, better options. There’s no obligation. The New Year is as good a time as any to clear your dischargeable debts and plan for the future.